ISRAEL UNLEASHES FORCE AFTER HAMAS REFUSES HOSTAGE RELEASE
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Plastic Containers
Aluminum Pans
Cups
Bowls
Knives
Forks
Spoons
Table Covers
Trash Bags
Tissues
Parchment Paper Everything
"The kids built a tower with 314 cups while waiting for the men to come home from shul. And it's only the first day of Yomtov!"
BECAUSE KIDSWILL
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Beyond the Headlines
A weekly glimpse into the Israel you won’t read about in the news
By Sivan Rahav Meir
Light and Joy, Gladness and Honor … in Goebbels’ Retreat
Just before Purim, I received this incredible photo which portrays a turnabout reminiscent of what we experienced in the time of Mordechai and Esther.
The photo was taken on Purim 1945, during the Holocaust. A group of Jewish American soldiers arrived at the grand, ancient castle where Joseph Goebbels, the Nazi regime’s Minister of Propaganda, would vacation with his family. The place was filled with swastikas, and a giant portrait of Hitler ym”sh.
And in this very location, a scene that no director could have invented took place: Jewish soldiers, who were fighting against absolute evil, took a break to read Megillat Esther and celebrate Purim—the holiday that marks the Jewish victory over complete evil.
Goebbels was the minister who manipulated public opinion to accept the Final Solution. Just as Haman in the Megillah convinced King Achashverosh, Goebbels whispered into Hitler’s ear, persuading the Nazi leadership of the need to exterminate all Jews. It didn’t work—not in the Megillah, not during the Holocaust, and not in our time.
The soldiers brought an Aron Kodesh and a Torah scroll, spread a curtain embroidered with a Star of David over the table, lit two candles, and held two siddurim in their hands. And then, they
sanctified this defiled space with the ancient words of Megillat Esther: “For the Jews there was light and joy, gladness and honor.”
A couple of weeks later, Hitler committed suicide. Goebbels succeeded him but took his own life the very next day, along with
his wife, after poisoning their six children with cyanide. Absolute evil was ultimately thrown into the trash heap of history.
And in Goebbels’ mansion? Hundreds of Jewish American soldiers turned that very hall into a dining room—and celebrated Pesach there.
May this soon be the fate of all the wicked in our time as well.
A ‘Nishmat’ Like Never Before
Since October 7th, the Kesher Yehudi organization has been inviting families of hostages, bereaved families, and survivors of the Nova massacre to celebrate Shabbat and holidays together. This has turned into an incredible journey, one that will surely be told for years to come. I had the privilege of being there on several occasions for moments of
American soldiers holding the first Jewish services in Germany since the rise of the Third Reich, around Purim, 1945, led by Rabbi Manuel Poliakoff of Baltimore, MD.
Rabbanit Yemima’s Vehigadt Pesaḥ Haggada: Inspirational Reflections for the Seder Night takes us step by precise step toward one of the holiest nights of the year. Learn how getting ready for Seder night can bring us up close to our deepest, innermost yearning. Tune in to the secrets of the Seder plate and tap into the divine mercy of this special night.
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profound spiritual empowerment and an extraordinary connection between souls as we shared prayers, dances, tears, and also many Torah study sessions. But we must learn not only to ask but also to give thanks. And so, this Purim, hostages who returned from Gaza were invited along with their families to an event of gratitude for the past, and of course, a prayer for the future—for all who are still missing and for all that is still lacking. At this event Agam Berger, Elia Cohen, Karina Ariev, the family of Daniella Gilboa, and the family of Sasha Troufanov all said “Nishmat Kol Chai” together. Suddenly, every word of this famous, ancient prayer took on even deeper meaning.
Parashat Vayakhel: Wisdom of the Heart
The Lubavitcher Rebbe often spoke of women’s prominent role in building the Mishkan and, indeed, in building the world. The Torah mentions “every wisehearted woman” and “all the women whose hearts lifted them up with wisdom,” who took part in building the Mishkan. This combination of the brain and the heart is emphasized by the Torah during this project. The Lubavitcher Rebbe brings two points:
• The men brought the materials to the Mishkan but did not actually produce anything. We should not deduce from this that “sewing is a woman’s job,” but rather the need to consider the spiritual suitability of men and women for this task. Most of the men participated in worshipping the Golden
Calf and were considered less suited than the women, who did not sin. The women were considered to be on a higher spiritual level and performed the task leshem Shamayim, with holy intent.
• Some of the skilled jobs in the Mishkan were initiated by the women of their own accord. They were talented artists who
used their skills to benefit the Mishkan. This lesson applies to both men and women. If you have been blessed with special skills or senses, you should use them for a good purpose, to plan and execute constructive projects, or in the Rebbe’s words, “To make the whole world a Mishkan of goodness and faith.”
Translated by Yehoshua Siskin, Janine Muller Sherr Want to read more by Sivan Rahav Meir? Google The Daily Thought or visit sivanrahavmeir.com
(L to R) Meirav Berger, Agam Berger, Karina Ariev, and her mother Irena Ariev.
Elia Cohen saying Nishmat
In the foreground, Merav Berger and her daughter Agam at the Kesher Yehudi Purim party
The Case for Jabotinsky’s Monism
By Jonathan Braun
At the Anti-Defamation League’s annual summit, which was held on Monday in New York City, Republican Congresswoman and Ambassador-designate Elise Stefanik declared that October 7 would not have happened under President Trump—a statement that was met with both applause and boos from some attendees, with several even walking out.
The shocking spectacle of American Jews insulting President Trump’s choice for America’s envoy to the United Nations—a steadfast supporter of Israel, who, as the Representative of a mainly rural, Upstate New York Congressional district with a relatively small Jewish population, courageously and effectively defended Jewish students and faculty against antisemitism on college campuses—reveals a troubling truth: for many American Jews who profess to be strong supporters of Israel, their support is actually conditional, subject to partisan loyalties, ideological commitments, or domestic policy preferences.
This is precisely the kind of dilution and fragmentation that one of Israel’s founding fathers, the Revisionist Zionist leader Vladimir (Zeev) Jabotinsky, warned against when he articulated his concept of monism, or One Flag, the idea that Zionism must be an overriding and singular political priority, above all other considerations.
Monism was a core principle in the ideology of the Revisionist Zionist youth movement, Betar, which Jabotinsky founded in
1923, implicit in the oath that its members, known as Betarim, took when they joined the movement. They pledged absolute devotion to the establishment of a Jewish state in the Land of Israel, not as one of many political goals, but as the paramount objective.
Jabotinsky rejected attempts to blend Zionism with socialism or utopian visions of coexistence. In his view, only by maintaining a rigorous, undiluted focus on the goal of Jewish sovereignty could the Zionist movement achieve its mission.
His idea was not about blind partisanship or ideological rigidity, but about strategic clarity. He understood that the cause of Jewish self-determination was too critical to be compromised by competing political interests. When socialists in the Zionist movement sought to tie Zionism to Marxist ideals, Jabotinsky dismissed them as hindering rather than advancing the core mission.
Following Israel’s establishment in 1948, eight years after Jabotinsky’s death, his principle of monism came to mean an unwavering, uncompromising— and overriding--commitment to defending and preserving the state against its many threats.
Today, as Israel faces the gravest existential threats since its founding, American Jews who care about its survival should embrace Jabotinsky’s principle. In an era of rising anti-Israel hostility coming mainly from the left, but also from certain isolationist
elements, support for Israel must no longer be subordinated to other political concerns.
This principle extends to political engagement. Leaders who stand firmly with Israel should be supported, or at the very least, not publicly undermined by those who claim to champion Israel’s cause. We cannot afford to embarrass and weaken our most committed political allies and friends through internal division or performative dissent. Just as Betar instilled discipline in its members, today’s defenders of Israel should adopt a policy of strategic unity.
Put simply, politicians who steadfastly support Israel should themselves be supported regardless of their stances on other issues.
Unfortunately, as shown by the incident at the ADL conference, too many American Jews disagree. They find themselves torn between their commitment to Israel and their allegiance to a broader ideological or partisan identity. They clearly don’t prioritize backing Israel above ideological preferences, party loyalty, or domestic policy disagreement.
Nowhere is this more evident than in their continued support for the Democrat Party. In spite of the fact that a majority of Democrats have an unfavorable view of Israel, and a growing segment are openly opposed to its very existence, most American Jews still identify as Democrats, and many American Jewish organizations
for every Fit and size
persist in attempting to balance support for Israel with allegiance to progressive social causes or Democrat Party orthodoxy.
The ADL attendees who booed and walked out on Ambassadordesignate Stefanik for stating that October 7 would not have happened under President Trump revealed where their true priorities lie—not with Israel’s security, but with Democratic Party loyalty and opposition to President Trump.
Unable to tolerate an inconvenient truth—that the policies of the Biden administration empowered Israel’s enemies and weakened its deterrence—they reacted with visceral partisanship.
Their outrage was not about defending Israel. It was about protecting their ideological comfort, even in response to the worst tragedy to befall the Jewish people since the Holocaust.
Those who booed and walked
out of the ADL conference must ask themselves: What matters more, political comfort or Israel’s survival?
Jonathan Braun, an ex-Betari, is a former managing editor of the NY Jewish Week newspaper. He was a member of the editorial board of Midstream, the Zionist journal of opinion, from 1980 until it stopped publishing in 2013, and was one of 100 American recipients of the Jabotinsky Centennial Citation, which was presented by Israel’s Prime Minister Menahem Begin at a special ceremony in New York City in 1980.
Students Flock to YU Early Decision, Choosing WorldClass Education in a Values-Driven Community
As captain of her varsity dance team, president of her NCSY chapter, and a track star, Ayelet Sandler had no shortage of options when it came to top-tier colleges. But when Yeshiva University offered her early admission through its highly competitive honors program—complete with generous financial aid—her choice was clear. The unparalleled combination of rigorous academics and a supportive, values-driven environment made YU the perfect fit.
“What stood out to me about YU is how deeply the professors care—not just about what we learn, but about who we become,” said Sandler, a senior at Ma’ayanot Yeshiva High School for Girls. “I love that YU brings together Torah learning with top-notch academics in science and math. It creates a well-rounded education that gives us the tools to succeed in our careers while staying true to who we are.”
That powerful combination is attracting some of the nation’s most accomplished students— valedictorians, high achievers with outstanding GPAs, and leaders in academics, athletics and extracurriculars. This year alone, Early Decision applications surged by 29 percent—a clear reflection of the growing demand for an institution that pairs scholastic excellence with a deep sense of purpose. The academic achievement level of early decision students is also on the rise, with average GPAs, ACTs and
SATs all going up.
“YU is attracting the best and brightest—students who recognize that here, they don’t have to choose between elite academics and a values-driven education,” said Rabbi Dr. Ari Berman, President of Yeshiva University. “As our enrollment continues to grow, it’s clear that more high-achieving students
are making YU their first choice. They know that at YU, they are preparing not only for their careers but for a life of meaning and impact.”
Each November, top students commit to YU through its binding Early Decision program, securing a coveted spot in the university’s prestigious honors program along with a $25,000 annual merit scholarship.
The program offers a rigorous, specialized curriculum in small, discussion-based classes, as well as exclusive seminars with leading figures in business, academia, and public life. Students pursue original research with top faculty, complete undergraduate theses that lead to publication, and secure internships at premier firms—preparing them to excel in their fields and emerge as leaders.
Among them is Elisha Feld-
Ayelet Sandler
Nadav Lowell
Elisha Feldman
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man, a standout pitcher and basketball player at YULA with a 4.7 GPA and a 33 on the ACT. He chose YU over Ivy League schools for its top-tier academics and the opportunity to continue his Torah learning in a community where he could thrive.
“Many people encouraged me to apply to Ivy League schools, but I knew that wasn’t the right path for me,” Feldman said. “At YU, I can be fully religious without compromise while still receiving a top-tier education. The admissions process was seamless, and I couldn’t be happier with my decision. With protests and antisemitism rising on other campuses, I also feel safe and secure here.”
As the flagship Jewish university, YU provides a vibrant,
dynamic community where students can excel without compromise. With a 95 percent job or graduate school placement rate within six months of graduation, it provides the skills and opportunities for success—both professionally and personally.
“Students feel they can be themselves at YU and come out with a great job and an amazing education,” said Marc Zharnest, director of undergraduate admissions. “You’re not making any sacrifices when you choose YU.”
For many, the chance to be part of a thriving Jewish community is a major draw. Nadav Lowell, a senior at Cooper Yeshiva High School in Memphis, Tennessee, was eager to expand his horizons while staying deeply connected to his heritage.
“I wanted the rigorous academics of a top university, but with all the Judaic elements YU has to offer,” said Lowell, who maintained a 4.4 GPA and serves as captain of his mock trial and Model UN teams and editor of his high school newspaper. “The S. Daniel Abraham program allows me to study my first year in Israel and seamlessly transition to YU, which made my decision even easier.”
With its powerhouse combination of stellar academics, career preparation, and an environment that nurtures both intellectual and spiritual growth, YU is quickly becoming the first-choice destination for top students ready to lead in both the Jewish world and beyond.
45th Consecutive Year of Bringing Joy & Shalach Monos to Thousands in South Broward
For the 45th consecutive year, Chabad of South Broward distributed thousands of Purim gift bags to seniors in dozens of nursing homes and retirement homes, to patients of all ages in many South Broward hospitals, and to young boys and girls in numerous preschools in South Broward.
According to Rabbi Raphael Tennenhaus, Chabads’ Executive Vice President, “this is the second major outreach activity we organized since our founding in 1980. The first was the Annual South Florida Chassidic Chanukah Festival in December 1980, the second was our distribution of Purim gifts to thousands of the less fortunate, in March 1981,to all those who could not attend Synagogue. The Lubavitcher Rebbe, Rabbi Menachem M Schneerson (1902-1994), encouraged that we bring the joy of Purim to everyone, especially to the infirmed and the homebound”.
Over the years, distribution of Purim gifts by Chabad of South Broward volunteers and staff, has also included giving of these gifts to children in various Preschools and Community Centers.
The smiles and cheer that accompany the Shalach Monos gifts, especially to the loneliest of people, is priceless. “ We have been told by many social workers and nurses, that for some seniors, the smiles on their faces, when being remembered by our dedicated volunteers, is the first smile they’ve had, since we visited them Purim of the year before”, the Rabbi added.
As has become the custom the past 23 years, the organising, the packing and the distribution of the Purim Shalach Monos to seniors and home bound etc, is being carried out by the students of the Chaya Aydel Seminary and its principal, Rabbi Yossi Lebovics.
To help support this Purim outreach, please click on this link: https://www.chabadsouthbroward.com/templates/articlecco_cdo/aid/6812734/jewish/ Purim-Donation-5785.htm
For information on registration for the Chaya Aydel Seminary in Hallandale Beach, Florida’s only Jewish Women’s Teachers Seminary, please call or text 954-826-7979.
Artificial Intelligence (AI) and the Ever-Changing Day School and Yeshiva Landscape
Not unlike the field of general education, our Jewish day school and yeshiva community is currently experiencing one of the most rapidly changing and complex challenges and transformations in recent memory. In fact, these challenges are currently evolving at breathtaking and meteoric speed and frequency; and, are now on a trajectory of unlimited scope and magnitude.
As we know, many of todays’ technological advances have evolved for years and are only now beginning to be recognized as transformative, also as evidenced in many of our schools. In fact, these evolutionary technological changes in our schools represent mirror images of the challenges and realities which we are currently experiencing in our general society… especially in the areas of science and through super-intelligence technology.
Although one can write volumes describing these challenges, from a practical perspective this article focuses on those specific areas which have the potential to change or improve our Jewish day school and yeshiva as institutions which are evolving in an ever-expanding 21st
By Dr. Chaim Botwinick
century technological ecosystem.
Today’s technological realities in education can be divided into two broad categories: those which are in our control; and those which require a significant paradigm shift in values and culture and the zeitgeist of our community.
Irrespective of whether these changes are or are within our control, one reality is almost certain…… the impact of technology, especially AI technology, is evolving fast and is impacting virtually every aspect of our lives. It therefore behooves all of us in educational leadership positions to understand, utilize and respect the impact of this technology on our communities and institutions.
The one particular area of focus which requires serious review is the tremendous impact of technology and/or artificial intelligence (AI) in our schools and on the teaching-learning process.
This critical conversation is no longer about whether technology should or should not be permitted or accepted in our Jewish educational institutions or whether its uses are or are good or bad, “healthy” or “unhealthy”……. but rather how we as a community utilize and celebrate the AI technological revolution as a beneficial 21st century reality and as an integral part of our educational community and society.
It is important to note that this reality does not suggest that all AI technology is 100% beneficial or “safe” for schools and students. Like all man-created innovations, especially those that are ubiquitous such as AI or “super” AI technology, it is essential that our schools, their leadership and educational commu-
nities utilize these technologies responsibly and with high levels of the a priori knowledge, understanding, insight, sensitivity, transparency and accountability.
I was motivated to write this article in follow-up to a fascinating conversation I recently had with several well-respected forward-thinking Jewish educators in the corridors of a major Jewish day school.
The conversation suggested that our Jewish educational community, must be more knowledgeable and mindful about the efficacy of AI technology to the same extent as we are (or were) when Google was first introduced in 1996.
When Google was launched in 97/98, many critics and opponents including senior educators, scholars and religious leaders were very concerned and uncertain as to how the use of this global technology would affect or impact our educational system, on society in general and in particular on the student-learning process.
Several decades later we now witness a tremendously impressive proliferation and impact of this technology on education and on society. To be sure, the speed in which information is now amassed and disseminated and the ability and capacity to spread information, knowledge and opinions within milliseconds have had and continues to have a profoundly positive impact on our lives, our institutions and communities.
There are currently a series of very impressive and enlightening articles on this important topic. They include the recent publication of Yeshiva University’s December 2024 edition of Torah-To-Go,
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entitled Illuminating the Future: Jewish Values and AI.
In that Issue we are presented with a wide array of fascinating perspectives regarding moral responsibility, AI and halachic decision making and other AI related perspectives which impact upon our Jewish communities and their institutions.
It goes without saying that like all man-created innovations, technology requires specific “guardrails” in order to ensure its proper ethical, moral, and legal application.
The AI Revolution and its Impact on our Jewish day school and Yeshiva Administrative Operations and Education
With the recent explosion of AI technology, our Jewish educational institutions are currently experiencing administrative and educational advances as never before imaginable - from recordkeeping, payroll, maintenance contracts, inventory control, the purchase of school materials and supplies, the processing of student admissions registration and teacher applications - to competitive bids and the processing and selection of scholarship applications, student transcripts, report cards and accreditation requirements - AI technology supported by its algorithmic formulas is now an indispensable and a formidable reality in our schools
In addition to the unlimited ways in which AI improves and enhances our day school and yeshiva operational and administrative processes, functions, procedures, capacities and effectiveness, it also has tremendous power, capacity and capability to improve and enhance the educational student-learning process of our students both in and out of the classroom.
Having said that, the impact of AI technology on quality assuranc-
es and practices in education is in its infancy and the jury’s still out regarding its actual impact on the quality of educational learning and instruction. But most experts opine that the challenge of educational quality are currently being resolved at lightning speeds and its gaps are beginning to close fast.
AI Education Applications
Not unlike its administrative and operational utility, AI technology possesses amazing technological application and potential for student learning and teaching and instruction in our schools
Several of these may include, but not be limited to:
- ongoing tutoring assistance;
- classroom lesson planning ; and simulated testing, quizzes and academic assessments;
- The provision of state-of-the-art reference material for student learning and faculty instruction;
- Havruta study and the provision of Judaic texts and reference materials;
- teacher/faculty performance assessments via digitized algorithmic generated feedback data and metrics;
- In- depth lesson and unit planning;
- personalized learning modules for students with a variety of learning styles and exceptionalities;
- scalability and interpretation of academic grades and assessment scores;
- AI generated connectivity for teacher and faculty professional development (PD) programs and training modules;
- coding for increased AI connectivity;
- test assessment preparation;
- AI guided and generated Judaic texts and commentaries in accordance with the philosophy and hashkafa of the institution;
- teacher, faculty and administrator
self-assessments; and
- the design and development of new curricula in Judaic and general studies;
End Notes
As our Jewish day schools and yeshivot begin to experience the positive use of AI technology as well as its transformational application on the structural, operational and educational levels, more and more school leaders will begin to appreciate and embrace its profound impact on education and our schools.
From a Jewish day school and yeshiva perspective, the next AI educational challenge or frontier will be to utilize AI effectively in the home, classroom and school community. It is one level to understand, appreciate and embrace AI generated innovation; it’s another level to learn how we can use it and apply it as well as celebrate its use in our schools.
At the end of the day, it’s all about the proper and appropriate application of AI, which may take decades to improve and refine.
In order to round-out our conversation, Part II of this article will focus on AI utilization, application and best practices from a Jewish day school and yeshiva perspective.
Dr. Chaim Botwinick is a senior executive coach and organizational consultant. He served as president and CEO of the Central Agency for Jewish Education for Baltimore and for Greater Miami. In addition, he was head of school and principal of several Jewish day schools and yeshivot. As a Jewish communal influencer, educator and teacher, he has published and lectured extensively on topics relating to education, strategic planning, resource development and leadership development in education.
Dr. Botwinick is co-founder and president of LEV Consulting Associates; and is the author of Think Excellence: Harnessing Your Power to Succeed Beyond Greatness, Brown Books, 2011
Operation Inspiration: Balancing Act
A Roman matron asked R’ Yosi ben Chalafta, “Since He created the world what is God busy doing?” He answered that He is making matches, saying “This woman for that man...” The woman figured this was easy to do and she matched up a bunch of men and women randomly which resulted in chaos and people showed up the next morning with black eyes and broken arms, etc. saying, “I don’t want her/him.”
However, it’s not just human beings that are matched up. Hashem makes everything balanced with its perfect match. It’s basically Newton’s third law of motion, which the Torah spoke about millennia before he codified them in the 1600’s. Everything in the world has an equal and opposite force. Everything remains balanced.
This struck me one Shabbos morning as I was making myself a cup of tea. I poured the water into a cup and then added the honey. The tea would come afterwards, from the tea essence I had prepared previously. As I squeezed the honey, I noted the air bubbles entering through the cap and rising up into the plastic bottle. When they did, more honey came out and it was easier to squeeze the bottle.
“Zeh le’umas zeh asa Elokim,” is what came to mind, Hashem ensures everything has an opposing force which keeps it in place. Take gravity for example. When you throw a ball up, gravity brings it back down to earth. Without that, the ball would keep going forever. When you push down the pedal of a bicycle, the other one comes up. Once you have that,
By Rabbi Jonathan Gewirtz
you can push down on the other pedal and move forward.
How about in relationships? Quite often one spouse will be a spender and the other a saver. Hashem puts them together so they don’t run out of money or become extreme misers. Sometimes one parent is hot-tempered and the other is calmer. The children learn that one doesn’t have to get excited about everything. If both parents got angry all the time, the children would likely do so as well, and you’d be breeding it. Therefore, a balance is put in place.
People who think they are right all the time can easily be making mistakes. They actually need some resistance in order to make them think and double check themselves. Sometimes it’s resistance to an idea of theirs at work, and sometimes it’s a differing opinion by someone whose opinion matters to them, but nearly always they will find something opposing them. But they should not get upset about this.
They have to remember that this entire world is a balancing act. We have to temper our desires with the recognition of what we ought to be doing. Just as we tell young children, that they can’t eat ice cream because then they won’t eat dinner properly, we can’t always have our way. Especially if it means we won’t be fulfilling the things we should be fulfilling.
Staying in bed longer in the morning may sound very wonderful, but if we are missing Tefila b’tzibur, it’s not that great. Even if you are not going to miss prayer with a minyan, you have to think about what you might be missing. “Will I be starting my day later and giving up something important?”
If I want to make a joke at some-
one’s expense, I have to take into consideration their hurt feelings. Or maybe the location I am in at the moment. Is it a place where the decorum is such that people should not be speaking? That’s often the case, like when we’re at shul on Shabbos. It’s a long davening, but you came to speak to Hashem and now you’re choosing something else?
The good news is that Hashem helps us by constantly creating opposing forces. So, for example, if someone asks me for a favor and it’s going to take some effort on my part, I also understand that the benefit and reward for doing the favor will be commensurate with the effort needed to do that for them.
In fact, we can also judge the benefit of an act by the amount of resistance there is to it. The more the Yetzer Hara pushes us away from doing something, the more we recognize it must be important and meaningful. Ever see the way people almost come to blows about saying Tachanun on possibly potential minor holidays? Clearly there’s something to Tachanun the Satan doesn’t want us to gain from.
And one more thing: The people who feel the most attacked by their evil inclinations, should not feel extremely low. Instead, they should recognize that they must, in fact, be truly holy and special. Otherwise, he would not be attacking them so strongly. That ought to be a great aid in resisting the Yetzer Hara’s attacks, knowing he’s just trying to make us lose our balance.
© 2025 – All Rights Reserved Did you enjoy this column? Feedback is welcome and appreciated. E-mail info@JewishSpeechWriter.com to share your thoughts. You never know when you may be the lamp that enlightens someone else.
Just Two Weeks After Taking Office, US Secretary of Education Visits Miami Jewish
US Secretary of Education Linda McMahon paid a historic visit to Lubavitch Educational Center in Miami on Tuesday afternoon, just two weeks after taking office, speaking to over 400 of the school’s students and staff members and visiting some of the preschool classrooms. It was her first trip to a Jewish school.
The visit began with a prayer for return of the hostages led by the boys Elementary School principal, Rabbi Moshe Stern, and a welcome by LEC’s Head of School, Rabbi Benzion Korf, who emphasized the importance of teaching morality and ethics rooted in G-d’s guidance. “Education is not just about teaching arithmetic, but about imparting the values that guide how we live together, treating others with respect and understanding that there is a higher power that sees and hears all.”
Secretary McMahon has vowed to empower all parents to choose the appropriate education for their children. “Every student in our country should have access to excellent education, and in order to do that, there has to be freedom of choice,” she said at the event. “Children should not be imprisoned in failing schools.”
She also pointed to the administration’s efforts to crack down on antisemitism on campus, opening investigations into colleges across the country and beginning to defund them. “The president is absolutely and abundantly clear that [antisemitism on campus] will not be tolerated, that no one should
have to face fear of being hurt on campus.”
The visit was facilitated by Rabbi Yehuda Kaploun, advisor to President Donald Trump, and who, with Dr. Miriam Adelson, hosted the president’s events on combating antisemitism. “Visiting the South’s largest Jewish day school so early in her tenure is a testament to the core values and ideals the president and secretary share,” Kaploun says. “They believe every child should have the opportunity to study and grow in a safe and secure environment. This administration has shown their understanding of the needs of the broader Jewish community and they have made the wellbeing of Jewish students their priority.”
The girls’ high school was represented by a class of thirty students, with an eloquent message delivered by high school junior
Day School
Necha Touger. She spoke about the profound impact Jewish education has on its students and how they are inspired to reach out and make a difference in the lives of others.
Secretary McMahon shared with the girls her personal journey which included many ups and downs and imparted a lesson on perseverance.
During the event, Secretary McMahon recognized and applauded the children’s fundraising efforts, now totalling over $50,000, toward their annual Passover campaign, to give back to the community and provide for the needy during the holiday. The students also received a letter from President Trump in 2019 lauding their initiative.
The visit comes just weeks before the US marks Education and Sharing Day in April, on the birthday of the Lubavitcher Rebbe, who was a strong advocate for a moral education in the classroom and who pioneered the Moment of Silence in public schools.
During the visit, Rabbi Korf presented Secretary McMahon with the Book of Genesis with traditional commentaries, underscoring the need for an education based on faith and G-dly morals.
“We are grateful for Secretary McMahon’s visit and we wish her much success in restoring the moral compass of our country, the basis of which starts with the Seven Noahide Laws,” says Rabbi Korf. Lubavitch Educational Center is a complete network of boys and girls schools ranging from preschool through high school and mesivta, with over 2,500 students.
Inspiring Chinuch Insights:
Rabbi Yaakov Horowitz Speaks to Educators at TABR
Recently, Torah Academy of Boca Raton hosted an impactful professional development program for its faculty, featuring renowned mechanech and author Rabbi Yaakov Horowitz. The sessions were filled with practical strategies, heartfelt stories, and profound insights drawn from his decades of experience in chinuch.
In the first session, Dealing with Classroom Disruptions, Rabbi Horowitz shared a powerful personal story from his early teaching days. When a group of students played a prank, he offered them a choice: a standard punishment or the opportunity to make amends by helping the victimized store owner. This experience taught him the importance of logical, natural consequences in discipline, fostering growth rather than resentment. He also emphasized the value of setting clear classroom rules and maintaining composure, advising teachers to remain calm and not be drawn into confrontations.
In the second session, Becoming Their Favorite Teacher, Rabbi Horowitz highlighted the power of personal connection. He shared how a simple compliment or a few moments of genuine interest can leave a lasting impact on students. Recalling a childhood memory of his own sixth-grade rebbe, he urged educators to notice each child’s individuality, celebrating their milestones and taking time for personal conversations.
The final session, Tween and Teen Transitions, focused on un-
derstanding adolescent behavior. Rabbi Horowitz explained that teens often appear contradictory because they are exploring their identities. He encouraged teachers to foster open communication, creating safe spaces where students feel heard without fear of judgment.
Throughout the day, Rabbi Horowitz inspired educators to approach every interaction with warmth, understanding, and creativity—reminding them that the seeds planted today may blossom years down the line.
Torah Academy of Boca Raton is a Yeshiva with preschool, elementary, and separate boys’ and girls’ middle school divisions, serving approximately 840 students this year.
For more information, visit www.torahacademybr.org or call 561-465-2200.
Israel Unleashes Force After Hamas Refuses Hostage Release
The collapse of the ceasefire and the resumption of Israel’s military campaign against Hamas was not a surprise. Israel repeatedly offered opportunities for Hamas to release hostages and avoid further conflict. Instead, Hamas continued to embed itself within civilian populations and reject diplomatic solutions. With no alternative, Israel launched a series of targeted strikes to restore deterrence and weaken Hamas’ military capabilities.
Hamas operates under the assumption that international pressure will restrain Israel, allowing it to rebuild and rearm for the next conflict. History has shown that temporary ceasefires only delay inevitable confrontations. Israel’s leadership recognizes that sustainable security can only be achieved by decisively dismantling Hamas’ ability to launch attacks.
Prime Minister Benjamin Netanyahu has taken a firm approach, ensuring that Israel does not fall into the trap of repeating past mistakes. The return of Otzma Yehudit to the government, with Itamar Ben-Gvir resuming his role as national security minister, highlights the growing prioritization of national defense. For too long, Israel has been held to an unrealistic standard, expected to tolerate ongoing threats while its enemies face no such restrictions. The current military response signals a shift toward proactive deterrence.
The Israeli Defense Forces (IDF) have focused on eliminating high-ranking Hamas leaders, including Essam al-Da’alis, who
played a key role in orchestrating operations in Gaza. The IDF has emphasized that these strikes are carried out with precision to minimize civilian casualties while crippling Hamas’ military infrastructure. At the same time, Hamas has consistently positioned its bases and weapons stockpiles in densely populated areas, making it clear that it prioritizes propaganda over the safety of the Palestinian people.
While critics of Israel’s military actions advocate for diplomatic engagement, past experience has demonstrated that Hamas is not a genuine negotiating partner. The group remains committed to Israel’s destruction and has repeatedly violated ceasefires. Calls for restraint often ignore the reality that Hamas uses these pauses to
rebuild its arsenal and prepare for further attacks. As long as Hamas retains operational control, any truce will only be temporary.
The broader regional implications of Israel’s actions cannot be ignored. Iran, Hamas’ primary supporter, is closely observing Israel’s response, as are Hezbollah and other armed groups in the region. A decisive Israeli military campaign sends a clear message that aggression will not go unanswered. Meanwhile, Egypt and Qatar, key mediators in past ceasefires, have struggled to restart negotiations. The United States has reiterated its support for Israel’s right to self-defense, acknowledging that unchecked terrorism poses a global threat.
This conflict is not just about
Hamas; it is a test of Israel’s security doctrine. A weak response would embolden not only Hamas but also Iran and its proxies. Israel is not just defending itself in Gaza—it is reinforcing its deterrence across the entire region. The lessons of history are clear: hesitation in the face of aggression has always come at a high cost. Israel’s leadership understands that sustained security requires decisive action, not temporary fixes.
International criticism of Israel’s response is expected, but it does not change the fundamental reality: no country can allow a terrorist group to dictate its security. Calls for restraint, while well-intentioned, do not acknowledge the daily threats that Israelis face. It is
easy for distant observers to suggest compromise, but those living under the shadow of rocket fire and terror tunnels cannot afford to take that risk.
As this military operation continues, Israel remains focused on its ultimate objective: neutralizing Hamas’ military capabilities and ensuring that such threats do not arise again. Anything less would only guarantee future escalations. While diplomatic efforts may resume in the future, Israel cannot afford to let its security be dictated by those who do not share its reality. The fight against Hamas is not just about immediate defense—it is about securing the future of the Israeli people for generations to come.
The Life-Changing Benefits of Walking: How David Transformed His Health with a Simple Habit
By Dr. Sarah Rosanel, MD FACC, Concierge Physician in Miami Florida - Internal Medicine Specialist/ Family Medicine and Cardiologist
David, a 28-year-old marketing professional, used to spend long hours at his desk, often feeling sluggish and mentally drained. With a busy schedule and little motivation for intense workouts, he struggled to maintain an active lifestyle. However, after a routine check-up revealed borderline high cholesterol and early signs of weight gain, I recommended a simple yet powerful solution: walking 5 miles a day.
What started as a reluctant effort soon became a life-changing habit. Over the next six months, David experienced remarkable improvements in his health, energy, and overall well-being. His story is a testament to the incredible benefits of walking—an exercise that is accessible, effective, and sustainable.
1.
Boosts Heart Health
David’s main concern was his rising LDL (bad cholesterol) levels. Walking 5 miles a day helped him lower his cholesterol and improve his cardiovascular health. Studies show that brisk walking reduces the risk of heart disease by up to 31%, as it strengthens the heart, improves circulation, and lowers blood pressure. After three months, David’s cholesterol levels improved significantly, and he felt more energetic throughout the day.
2. Aids in Weight Loss
&
Metabolism
Like many office workers, David struggled with slow weight gain. By walking daily, he started burning an extra 500 calories per day, leading to a steady weight loss of about one pound per week. Unlike restrictive diets, this method was sustainable—he didn’t need to change his entire routine, just commit to moving more.
3.
Regulates
Blood Sugar & Reduces Diabetes Risk
Walking after meals became part of David’s routine, helping to stabilize his blood sugar levels. Research suggests that even a 10-minute walk after eating can lower post-meal blood sugar spikes. This habit not only prevented energy crashes but also reduced his long-term risk of developing type 2 diabetes.
4. Strengthens Joints & Prevents Pain
David had occasional knee pain from sitting too long, but regular walking strengthened his leg muscles and reduced stiffness. Walking is a low-impact exercise that improves joint flexibility and reduces arthritis risk, making it a perfect lifelong activity.
5. Boosts Mental Health & Reduces Stress
Initially, David walked while scrolling on his phone, but he soon discovered that unplugging and walking in nature had an even greater impact on his well-being. Walking releases endorphins and serotonin, reducing stress, anxiety, and even symptoms of depression. Over time, he felt more focused, creative, and in control of his emotions.
6. Improves Sleep Quality
Before starting his walking routine, David often had trouble falling asleep. However, after weeks of regular movement, he noticed that he fell asleep faster and woke up more refreshed. Walking helps regulate circadian rhythms, making it easier to maintain a consistent sleep schedule.
David’s Transformation: A Simple Yet Powerful Habit
After six months of walking 5 miles a day, David’s cholesterol dropped to a healthy range, he lost 15 pounds, and his mental clarity improved. Most importantly, he felt stronger, more confident, and energized—without needing an expensive gym membership or extreme workout routine.
Start Your Walking Journey Today!
David’s story proves that small, consistent efforts lead to life-changing results. Whether you start with a 15-minute walk after meals or challenge yourself to 5 miles a day, walking is one of the simplest yet most effective ways to improve your health.
Dr. Sarah Rosanel is a dedicated concierge physician based in Miami, FL, specializing in personalized healthcare tailored to the unique needs of her patients. With a holistic approach that blends traditional medicine, lifestyle interventions, and functional medicine, she empowers individuals to achieve optimal health and well-being. As an expert in Concierge Medicine & Cardiology, Dr. Rosanel integrates cutting-edge medical treatments with holistic methodologies, ensuring comprehensive care that goes beyond symptom management to address the root causes of health concerns. Beyond her medical practice, Dr. Rosanel is a devoted mother to Ariel, Zev, and Shirley, balancing her passion for healing with the joys of family life. Book your appointment today by texting or calling (646) 467 4368. Miami, Florida. info@ drrosanel.com
Photo credit-@DavidLeviPhotography
YESHIVA OF MIAMI
KATZ YESHIVA HIGH SCHOOL
Our
From
Rabbi Wechsler saying the Hadran at the Yeshiva’s PreTaanis Esther Mesiba and Siyum
Rabbi Goldenberg and Some Very Happy Campers
More Happy Campers
students brought the spirit of Purim to life with colorful costumes, laughter, and a lively Chagigah!
creative outfits to joyous dancing, the celebration was filled with music, fun, and excitement.
Leibidig dancing and epic ruach were the order of the evening.
SHAAREI BINA
It’s always the season to learn at Shaarei Bina.
ANSHEI CHESED CONGREGATION FINISHES SHAS
Anshei Chesed Congregation of Boynton Beach had a unique celebration this past Shabbat, as they completed their first “Purim to Purim Learning Initiative.” In a move reminiscent of the Talmud’s Purim message, “They fulfilled what they had already accepted” (Shabbat 88a, Megillah 7a , Shavuot 39a), congregants demonstrated a commitment to Torah study through joining together to study all of the Talmud in one year. The brainchild of Rabbi Alan Saks, over 40 members signed up shortly after Purim 5784 to learn a tractate of the Talmud each, with the goal to finish by Purim 5785. The siyum was completed by Rabbi Avi Billet, rabbi of Anshei Chesed, and the Shabbat morning services were followed by a Gala Kiddush to celebrate this Torah-study achievement. Mazal tov
Thank You to Everyone who Joined the Purim Photo Contest!
Lenter Family
Koot Family
Rivki Sacks
Singer Family Meir Evans
Ackerman Family Kallus Family
Bach Family
KID’S ZONE KID’S ZONE
BRAIN TEASERS & TORAH RIDDLES
Can you figure out the answers to these tricky Torah riddles?
1. I was in a teivah, but I'm not Noach. I was hidden, but not in the Aron. Who am I?
2. I traveled inside a fish, but I was not its food. Who am I?
3. I have a mouth but do not speak. I once split, but now I flow. What am I?
4. I was swallowed by the earth, but I am not a seed. Who am I?
5. I stood tall and strong, but one rock brought me down. Who am I?
6. I was a ladder, but not for climbing. I was a dream, but not imagined. What am I?
7. I lived in a palace but grew up with slaves. Who am I?
8. I was given twice, once whole and once broken. What am I?
9. I was made of wood, covered in gold, and carried wherever Bnei Yisrael went. What am I?
10. I stood between two mountains and heard blessings and curses. Where am I?
10. Har Gerizim and Har Eival
9. The Aron Hakodesh
8. The Luchos
7. Moshe Rabbeinu
6. Yaakov's ladder
Goliyas (Goliath)
Korach
The Yam Suf
Yonah HaNavi
Moshe Rabbeinu
Answers:
KID’S ZONE KID’S ZONE
YOU KNOW THAT...
FACTS ABOUT SPACE DID
Space Smells Funny!
Astronauts say that space smells like burnt steak, welding fumes, and gunpowder! Scientists think this comes from dying stars giving off special gases.
There’s a Giant Wall in Space!
Astronomers found a cosmic wall called the Hercules-Corona Borealis Great Wall made of galaxies, gas, and dark matter. It’s so big that light takes 10 billion years to cross it!
Stars Can Be Different Colors
Not all stars are yellow!
• Hot stars are blue
• Cooler stars are red
• The Sun is actually white but looks yellow because of Earth’s atmosphere!
Some Stars Explode Like Fireworks
When a big star dies, it explodes in a supernova, which is brighter than an entire galaxy for a short time! Some of these explosions create black holes.
The Largest Volcano in the Solar System Isn’t on Earth
Earth has big volcanoes, but Olympus Mons on Mars is three times taller than Mount Everest! It’s the largest volcano in the solar system.
Space Junk is Floating Around Earth! Right now, there are over 100 million tiny pieces of space junk orbiting Earth—from old satellites, rocket parts, and even tiny pieces of paint!
There’s a Water Cloud in Space
Scientists found a huge cloud of water floating around a black hole—it’s 140 trillion times the amount of water in all of Earth’s oceans!
The Fastest Thing in Space is Light!
Light travels at 186,000 miles per second (299,792 km/s). That means a beam of light could go around Earth 7.5 times in one second!
KID’S ZONE KID’S ZONE
CREATE A DRAWING OR A PIECE OF SPRING KID’S ART CONTEST
First place: $30 gift card | Second place: $20 gift card | Third place: $10 gift card
Email your artwork to editor@tsfcommunityvoice.com
Make sure to include your name, age and city. Entries must be received by March 24.
This type of contest encourages creativity, education and community engagement. It allows kids to express themselves through art, and it also provides an opportunity for their work to be showcased in the magazine.
Sponsored by: SMASH HOUSE BURGERS smashhouseburgers.com (305) 351- 9545
HISTORY’S HEROES
CRAFT. PAINT. BAKE. EXPERIMENT.
4,000 5,000
2. THE NUGGET
NEXT WEEK'S SUPPLY
LIST
-1 Gallon Ziploc Bag
-Metallic Permanent Markers
-Printed Template
-4 Feet of Yarn
-Clear Tape
-Hole Puncher
-6 Inch Skewer
-4 Pipe Cleaners, 2 of Each Color
-Glue Dot -Scissors
CONTEST
WIN A PRIZE!
Finish the weekly project, snap a pic, and email us at info@jcm.museum for a chance to win a prize. Let’s get creating!
Although Korach erred in his actions, his intentions were pure. He and his followers deeply desired to be Kohanim Gedolim, striving for an intense closeness with Hashem. Bringing Ketores into the Kodesh HaKadashim as a non-Kohen Gadol was punishable by death, yet their longing was so strong that they were willing to risk their lives. Despite Korach’s mistake, the Parsha bearing his name teaches a valuable lesson. In fact, when Moshiach comes, every Jew will be on the level of a Kohen Gadol.
4. DID YOU KNOW
Korach’s three sons, Asir, Elkanah, and Aviasaf, initially joined their father’s rebellion, but repented and were spared. They later composed or sang several chapters in the Book of Tehillim.
1. LIFE STORY SNIPPET
Korach was a great-grandson of Levi. He was also Moshe and Aharon’s first cousin. He incited a rebellion against Moshe and Aharon over their positions of leadership and convinced hundreds of people to join him. As a result, he, along with Dasan, Aviram, and their families, were miraculously swallowed by the earth.
3. BRINGING IT DOWN
It is good to aspire to be as close to Hashem as a Kohen Gadol and to long for a deeper connection than we have now. One way to cultivate this desire is by recognizing that all pleasure and goodness come from Hashem.
5. FUN FACT
Korach’s exact birth year is uncertain. He was born around the time Moshe struck the Mitzri, but there is debate about Moshe’s age at that moment— either 12 or just under 20. This would place Korach’s birth around the year 2380 or 2387/88. The rebellion in the Midbar took place in the second year after the Yidden left Mitzrayim, meaning Korach died in the year 2450.
6. QUESTION TO CONSIDER
What makes you feel close to Hashem?
Place the canvas on a piece of parchment paper. Mix the blue and white paint in a cup. Use this to paint the entire canvas, and let it dry.
The tic-tac-toe board should now look like this.
Roll out 9 balls of clay. Each one should be the size of a quarter. Roll each ball in the palm of your hand until there are no cracks in the clay. Flatten each one into a small disk.
Glue a rhinestone onto each inner corner of the board.
Use a ruler and Sharpie to draw two vertical lines, evenly spaced, to create three columns. Then draw two horizontal lines, evenly spaced, to form three rows, creating a grid with nine equal squares for the tic-tac-toe board.
Cut out the bell and pomegranate shapes from the template
Paint 4 pieces red, and 5 pieces gold, ensuring that the top and sides are fiully covered. Use the sharpie to trace bell shapes onto the gold disks, and pomegranate shapes onto the red disks. Place all the pieces on the parchment paper and leave to dry completely.
Cut out the label and tape it onto the bag, making sure to cover the corners. Once all the pieces are dry, store them in the bag.
SUPPLIES LIST
-Printed Template -5 oz Clay -Canvas -1 Big Paintbrush -2 Smaller Paintbrushes
-Paint: Blue, White, Red, and Gold
-3 Cups
-Parchment Paper -Ruler
-Black Sharpie
-Disposable Gloves
-Scissors
-Liquid Glue
-Clear Tape
-4 Silver Rhinestones
Enjoy playing the tic-tactoe game and may the best player triumph!
Pesto Chicken Flatbread Pizza
By Jamie Geller
• 28 MIN DURATION • 20 MIN COOK TIME • 8 MIN PREP TIME • 4 to 6 SERVINGS •
This Pesto Chicken Flatbread Pizza is the perfect quick and delicious meal! Juicy, herby chicken and vibrant pesto come together on a crispy flatbread for a flavor-packed bite. It’s ready in just 20 minutes—perfect for busy weeknights or an easy, homemade pizza night!
Ingredients
• 1 tablespoon olive oil
• 3 small zucchini, peeled into strips (using vegetable peeler)
• 2 cloves garlic, minced
• 1 ciabatta loaf or rustic loaf, cut in half horizontally (12-inch)
• 1 cup store bought pesto (pareve)
• 2 roasted red bell peppers, thinly sliced
• 2 cup shredded cooked chicken
• 2 to 3 tablespoon balsamic vinegar
• Freshly ground black pepper
Preparation
1. Preheat oven to 350° F and grease a large sheet pan.
2. Heat olive oil in a medium sauté pan over medium high heat and cook zucchini and garlic for 6 to 8 minutes or until softened.
3. Place each half of ciabatta, cut side up on
the prepared pan and spread each with ½ cup pesto. Layer on zucchini, bell peppers and chicken.
4. Bake in the oven for 10 to 12 minutes or until toppings are hot and bread is crispy. Cut into slices to serve and drizzle with balsamic vinegar and pepper for garnish.
Jamie Geller is the Chief Media and Marketing Officer at Aish. She is also a bestselling cookbook author, celebrity chef, television producer, and businesswoman. She’s the author of eight cookbooks and the founder of Kosher Media Network.
3 bedroom 2 bathrooms
Appliances included In ground pool
Convenient location
Apartment available: 1 bedroom 1 bathroom
Less than 15 minutes to the beach
Next to shopping areas
Near places of Worship
Standard Deduction vs. Itemized Deductions: Which Maximizes Your Tax Savings?
When filing your taxes, one of the most critical decisions you’ll make is whether to take the standard deduction or itemize your deductions. The right choice can lead to significant tax savings, and at Signature CPAs & Advisors, we’re here to guide you through the process.
Understanding the Standard Deduction
The standard deduction is a fixed dollar amount that reduces your taxable income, set by the IRS each year. It simplifies tax filing and eliminates the need for tracking deductible expenses. Here are the 2024 standard deduction amounts:
• Single or Married Filing Separately: $14,600
• Married Filing Jointly: $29,200
• Head of Household: $21,900
Certain taxpayers, such as those 65 or older or blind, receive an even higher standard deduction.
What Are Itemized Deductions?
Itemized deductions allow you to list and deduct eligible expenses rather than taking the standard deduction. This option benefits those whose deductible expenses exceed the standard deduction. Common itemized deductions include:
- Mortgage Interest – Deduct interest on mortgage debt up to $750,000
- State and Local Taxes (SALT) –Deduct up to $10,000 in state, local, and property taxes
- Medical Expenses – Deduct
medical costs exceeding 7.5% of your Adjusted Gross Income (AGI)
- Charitable Contributions –Deduct donations to qualified nonprofits (typically up to 60% of AGI)
-Casualty and Theft Losses –Limited to federally declared disasters
- Investment and Work-Related Expenses – Includes certain job-related costs and gambling losses
How to Decide: Standard vs. Itemized Deduction
At Signature CPAs & Advisors, we analyze your financial picture to determine which option provides the most tax savings. Here’s a simple way to decide:
-Add up your potential itemized deductions. If they exceed the standard deduction, itemizing is likely the better option.
-Consider your lifestyle. Homeowners with significant mortgage interest, taxpayers in high-tax states, and those with large charitable donations often benefit from itemizing.
-Factor in simplicity. The standard deduction is straightforward,
while itemizing requires detailed record-keeping.
Example Scenario: Which Saves More?
Let’s say you’re a single filer with the following deductions:
• Mortgage Interest: $6,000
• State and Local Taxes: $5,000
• Charitable Donations: $2,500
• Medical Expenses (above 7.5% AGI threshold): $1,500
• Total Itemized Deductions: $15,000
Since the $15,000 in itemized deductions exceeds the $14,600 standard deduction, itemizing would result in greater tax savings.
Maximize Your Tax Savings with Signature CPAs & Advisors
Choosing between the standard deduction and itemizing can be complex, but Signature CPAs & Advisors is here to simplify the process. Our boutique firm specializes in personalized tax strategies for individuals and businesses, ensuring you maximize every deduction available.
For personalized assistance with your tax preparation, Signature CPAs & Advisors is here to help. Contact us today for expert guidance on maximizing your tax savings!
Betsalel Touitou, CPA & Oren Dayan, CPA
W: www.signaturecpa.com
E: Info@signaturecpa.com
SUNDAY, MARCH 23, 2025
Program will begin at 7:30 pm *
Young Israel of HollywoodFt. Lauderdale, 3291 Stirling Road
MONDAY, MARCH 24, 2025
We will run two programs: 6:00 pm and 7:30 pm *
Boca Raton Synagogue7900 Montoya Circle N.
TUESDAY, MARCH 25, 2025
Program will begin at 7:30 pm *
The Shul - 8540 Collins Ave, Surfside
Recession Talk: What It Means for You
By Shmuel Shayowitz
Lately, the word “recession” has been creeping up in economic discussions. With inflation still a concern, interest rates at two-decade highs, daily tariff talk, and continued uncertainty in global markets, many experts believe the U.S. could be headed for a slowdown. But what does that mean for the average consumer?
A recession doesn’t hit everyone the same way, but the effects tend to ripple through the economy in ways that most people feel. Job security can become a concern as businesses cut costs - hiring slows down and layoffs increase. For those who keep their jobs, raises and bonuses may shrink, making it harder to keep up with the cost of living. And while some prices may stabilize, essentials like food, energy, and housing can remain stubbornly expensive, squeezing household budgets even further.
Market swings can be unnerving for anyone with money in the stock market - whether through a retirement account or investments. When investors sense uncertainty, they react emotionally, often pulling money out of stocks and causing major fluctuations in portfolio values. While markets recover over time, those downturns can be stressful, especially if you rely on investments for near-term financial goals.
Despite all of this, recessions don’t have to spell disaster. The key is preparation; one of the most important steps is strengthening financial reserves. Having cash set aside for emergencies - ide-
ally six to twelve months’ worth of living expenses can provide a critical safety net if your income is disrupted. Even if a full recession doesn’t materialize, having reserves in place is never a bad idea.
For homeowners, one way to secure financial flexibility is by setting up a home equity line of credit (HELOC). This allows you to tap into the equity in your home if you need it, offering a lower-cost borrowing option compared to high-interest credit cards or personal loans. Banks tend to tighten lending standards during economic downturns, so waiting until you need a HELOC to apply might make it harder to qualify. Setting one up while credit is still readily available can provide peace of mind, even if you never have to use it.
Managing expenses wisely is another crucial step. In strong economic times, it’s easy to overlook unnecessary spending - subscriptions, takeout, impulse purchases, and the like. But when financial uncertainty looms, tightening up your budget and cutting non-essential expenses can make a big difference.
Employment is another factor to consider. In times of economic uncertainty, job security can become unpredictable, which is why staying “marketable” is so important. Keeping your skills sharp, networking, and positioning yourself as an indispensable part of your company can help protect your income. For business owners, diversifying revenue streams and keeping expenses lean can provide stabili-
ty during an economic slowdown. Debt management is also critical. Carrying high-interest debt into a recession can be a financial burden, so paying down credit card balances and consolidating higher-interest loans before borrowing costs rise further is a smart move. Recessions are a natural part of the economic cycle. While no one can predict exactly when or how severe the next one will be, preparation is always the best strategy. Having financial reserves, securing access to credit, managing spending, and staying proactive about job security can make all the difference in how well you navigate a downturn. Financial security isn’t about knowing what’s coming - it’s about being ready for whatever happens next. And the best time to prepare is before you have to. Would you rather inherit $5 million but never be allowed to work again or earn $500,000 a year doing a job you love until retirement? Please let me know if you have a good “Would you rather” question, and we will highlight your submission.
Shmuel Shayowitz (NMLS#19871) is a highly regarded Real Estate & Finance Executive, Writer, Speaker, Coach, and Advisor. He is President and Chief Lending Officer of Approved Funding, a privately held national mortgage banker and direct lender. Shmuel has over twenty years of industry experience, holding numerous licenses and accreditations, including certified mortgage underwriter, licensed real estate agent, residential review appraiser, and accredited investor, to name a few. Shmuel has successfully navigated through many changing markets and business landscapes, making his market insights and experience well-coveted within the real estate industry. He can be reached via email at Shmuel@approvedfunding.com.
